Speacialized Loan Servicing, LLC. review: Loan Subordination

My name is Ronald Baker and I had a home mortgage with Bank of America and a HELOC second mortgage with Bank of America. Bank of America transferred my HELOC account to Specialized Loan Servicing, LLC., also known as SLS. SLS is a debt collection agency as well as a loan servicing company. I've never had bad debt and my credit score was 827, highest among the three top Credit Agencies. I was place under SLS to service my loan. I applied for a HARP 2 mortgage with Embrace Home Loans. Everything was going well until I tried to get SLS to subordinate my Heloc account so I could get the HARP 2 loan. Being a debt collection agency, they would not subordinate because I was outside their amount of loan to property value ratio for my Embrace loan. This is a problem because, if they had been a bank or legitimate mortgage company: under the HARP rules they are required to subordinate regardless of home value to loan amount ratio. Also HARP 2 loans do not require appraisal. SLS knew in the beginning before subordination process began for my loan, that I did not meet their requirements and still I lost $250.00 in fees to process loan subordination. I ask in the start of the process what I was required to furnish for their process. I complied and was denied after several months of dealing with Embrace Home Loans and SLS. SLS cost me $250.00 and two months of approximately $400.00 reduced mortgage payments. I lost a total of about $1050.00 dealing with SLS and in the end had to pay them off to get my HARP 2 loan. This is a flaw in the process of getting a HARP2 loan when dealing with a debt collection agency that is only servicing my loan and not collecting a bad debt. I think they should be reqired to refund my subordination fee of $250.00 and live within the rules of getting a HARP loan.